Key Things to Know About Exchange Traded Funds

The Australian Exchange Traded Funds (ETFs) market has now reached $30B. According to the BetaShares/Investment Trends ETF Report, 38% of investors hold ETFs via Self Managed Super Funds and there was a 31% increase in the number of investors over the previous 12 months. Further, millennials are expected to be significant drivers of ETF growth […]

A Head Start to Wealth Creation

We often assist people in their 20s-40s to begin the process of building an investment portfolio. Typically, their ultimate aim is to gain control of their financial situation and accrue assets to support their future lifestyle. To achieve success, we believe that the key steps in this process include: (1) Managing Cash Flow Understanding where […]

More Key Super Decisions from July 2017

In this edition, we reveal how some people may need to respond to the super changes that apply from 1st July. Salary SacrificeReview salary sacrifice arrangement to ensure that your total (i.e. employer & salary sacrifice) concessional contributions do not exceed $25K for 2017/18. Personal Deductible ContributionsReview the benefit of a salary sacrifice arrangement vs. […]

May 2017 Federal Budget Analysis

The Federal Budget Analysis prepared by the MLC Technical team, part of GWM Adviser Services Limited, appears below. Federal Budget 2017-18 – what it means for you On Tuesday 9 May 2017, the Treasurer, Scott Morrison, released the Government’s 2017-18 Budget.  This year’s Budget won’t significantly impact retirees; however, there were plenty of changes announced […]

Key Super Decisions Before July 2017: Edition 5

New superannuation regulations will take effect from July 2017. Changes may require people to make critical decisions to optimise their financial well being To assist you to resolve if you are affected, I shall present each of the regulatory changes progressively over the coming months. Super & Estate Planning Compliance with the new super reforms […]

Key Super Decisions Before July 2017 (Edition 4)

New superannuation regulations will take effect from July 2017. Changes may require people to make critical decisions to optimise their financial well being To assist you to resolve if you are affected, I shall present each of the regulatory changes progressively over the coming months. Issue 4: TTR Pensions This article relates to ” transition […]

Key Super Decisions Before July 2017 (Edition 3)

New superannuation regulations will take effect from July 2017. Changes may require people to make critical decisions to optimise their financial well being To assist you to resolve if you are affected, I shall present each of the regulatory changes progressively over the coming months. Issue 3 PensionsThis article relates to “retirement” pensions and ” […]

Key Super Decisions for 2017 (Edition 2)

New superannuation regulations will take effect from July 2017. Changes may require people to make critical decisions to optimise their financial well being To assist you to resolve if you are affected, I shall present each of the regulatory changes progressively over the coming months. Issue 2 (concessional contributions)A concessional contribution is one where either […]

Key Super Decisions for 2017

New superannuation regulations will take effect from July 2017 Changes may require people to make critical decisions to optimise their financial wellbeing To assist you to resolve if you are affected, I shall present each of the regulatory changes progressively over the coming months. Issue 1 (non concessional contributions) A Non concessional contribution is one […]